First Neighborhood Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Neighborhood Bank, Inc. of Spencer, WV against its peer group of 2672 similarly-sized US banks as of Q1 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.25% | 1.35% | -1.10% | 7th bottom |
| ROAE | 2.79% | 12.06% | -9.27% | 9th bottom |
| Net Interest Margin | 2.74% | 3.90% | -1.16% | 6th bottom |
| Efficiency Ratio | 89.43% | 63.14% | +26.29% | 6th bottom |
| PPNR / Avg Assets | 0.26% | 1.64% | -1.38% | 5th bottom |
| Yield on Earning Assets | 3.98% | 5.65% | -1.67% | 2nd bottom |
| Cost of Funds | 1.29% | 1.85% | -0.56% | 80th top |
| Net Interest Spread | 1.94% | 3.35% | -1.41% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 70th above |
| Texas Ratio | 0.64% | 7.15% | -6.51% | 78th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 175.00% | 1189.82% | -1014.82% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.41% | 12.46% | -2.05% | 40th below |
| Equity / Assets | 8.77% | 11.67% | -2.90% | 24th bottom |
| TCE / Tangible Assets | 8.77% | 11.40% | -2.63% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.93% | 78.65% | -26.72% | 90th top |
| Core Deposit Ratio | 77.40% | 87.10% | -9.70% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.22% | 6.48% | -5.26% | 27th below |
| Loan Growth (Y/Y) | -8.08% | 7.65% | -15.73% | 4th bottom |
| Deposit Growth (Y/Y) | 0.82% | 6.02% | -5.20% | 28th below |
See First Neighborhood Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Neighborhood Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Neighborhood Bank, Inc. profile, how to read a UBPR, or how this data updates.